Suppose you invest $2000 at an annual interest rate of 4.5%. how long will it take for it to earn $495?

100%:2000$=4.5%:x$, x=90$. After 1st year I earned 90$, now I have 2090$.

100%:2090$=4.5%:x$, x=94.5$. After 2nd year I earned 94.5$ more, now I have 2184.05$.

100%:2184.05$=4.5%:x$, x=98.28$. After 3rd year I have 2282.33$.

100%:2282.33$=4.5%:x$, x=102.71$. After 4th year I have 2385.04$.

100%:2385.04$=4.5%:x$, x=107.33$. After 5th year I have 2492.37$.

So I need 6 years to earn 495$.